248 Emerald Oak Dr, Galt, CA 95632 Property Records

Sacramento County property record for 248 Emerald Oak Dr, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,763 sqft · built 1991
Lot Size	0.22 acres (9,601 sqft)
Owner	2 Individual Names on File
Last Sale	$569,000 (Apr 2022)
Tax Bill	$6,942 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`148-0420-023-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0420-023-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,763 sqft Living Area
1st Floor Area	1,763 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	9,601 sqft (0.22 acres)
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	248 EMERALD OAK DR
City	GALT
State	CA
Zip	95632-2358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	QUAIL HOLLOW 01 AMD, LOT 88
Legal Subdivision	QUAIL HOLLOW 01 AMD
Legal Lot Number	88
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2007
Census Tract	9502

Owner

248 Emerald Oak Dr is owned and occupied by two individuals who bought it in April 2022.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	248 EMERALD OAK DR, GALT, CA 95632-2358
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Apr 29, 2022	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 17, 2019	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MTG
Jul 19, 2019	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Jan 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	Sep 17, 2019 · Amount on File
Deed Book / Page	20220429 / 434
Prior Transfer Date	Sep 25, 2015
Prior Transfer Doc	0000001502
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	248 EMERALD OAK DR, GALT, CA 95632-2358
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	LENNAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 EMERALD OAK DR, GALT, CA 95632-2358

Mortgage

Document Number	0000000782
Date	Aug 20, 2021
Instrument	2021082000782

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 29, 2022
Property Address	248 EMERALD OAK DR, GALT, CA 95632-2358
Document Number	0000000434
Map Reference	MB 182 MAP 2
Instrument Date	Apr 26, 2022
Instrument	2022042900434
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	248 EMERALD OAK DR, GALT, CA 95632-2358

Mortgage

Document Number	0000000435
Date	Apr 29, 2022
Instrument	2022042900435

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	248 EMERALD OAK DR, GALT, CA 95632-2358
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	LENNAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 EMERALD OAK DR, GALT, CA 95632-2358

Mortgage

Document Number	2021082000782
Date	Aug 20, 2021
Instrument	2021082000782

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 17, 2019
Property Address	248 EMERALD OAK DR, GALT, CA 95632-2358
Document Number	1909171500
Instrument Date	Sep 12, 2019
Instrument	1909171500
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$414.15
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	248 EMERALD OAK DR GALT CA 956322358, GALT, CA 95632-2358

Mortgage

Document Number	1909171501
Date	Sep 17, 2019
Instrument	1909171501

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 19, 2019
Property Address	248 EMERALD OAK DR, GALT, CA 95632-2358
Document Number	1907190791
Instrument Date	Jul 16, 2019
Instrument	1907190791
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Tax	$412.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 RAYLOW AVE MANTECA CA 953364820, MANTECA, CA 95336-4820

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	248 EMERALD OAK DR, GALT, CA 95632-2358
Document Number	1903010655
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	248 EMERALD OAK DR GALT CA 956322358, GALT, CA 95632-2358

Mortgage

Document Number	1903010655
Date	Mar 1, 2019
Instrument	1903010655

Lender

Name	NAVY FCU
Type	Credit Union
Address	MERRIFIELD, VA 22119

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 28, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 248 Emerald Oak Dr was $6,942, up 4.5% from the year before.

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Galt City
Elementary School District	Galt Joint Union Elementary School District (KG - 08)
Secondary School District	Galt Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$615,902 (+2%) Land $146,128 Building $469,774
2025	$6,942.00 (+4.47%)	$603,826 Land $143,263 Building $460,563
2024	$6,645.00 (+1.71%)
2023	$6,533.00 (+52.82%)	$580,380 Land $137,700 Building $442,680
2022	$4,275.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 248 Emerald Oak Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1982–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2021 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 248 Emerald Oak Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GALT serves 26,536 people · EPA ID CA3410011
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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